Credit Risk Management Vice President

Who we are

United by a sense of purpose towards our customers – to be a trusted partner for the long-term – and our universal banking platform in EMEA, SMBC Group has an international growth agenda and award-winning products, meaning we provide exciting opportunities to work on a diverse range of projects and initiatives. We deliver a full suite of corporate finance products and solutions to our customers as well as investment banking and advisory services, and a range of innovative solutions in global capital markets. Read on to find out how you could enhance your skills and gain valuable experience, by joining us to support our clients transition to a sustainable future.

Role Summary

The role of VP exists to manage a portfolio of Project Finance Loan transactions of a complex nature, dealing  with waiver requests and variations, the monitoring of risk, application of associated credit grades and various other administrative tasks, such as KYC, documentation and covenant compliance.

The role requires strong analytical skills and involves the review and analysis of information including, but not limited to, construction, technical and operational reports customer financial statements, project finance financial models, due diligence and administration of the Loans in accordance with the terms of Financial / Legal documentation along with preparation of associated applications.

Additionally, the role requires strong communication skills as there will be various interfaces both within the organisation (Credit, Syndications, Operations etc) as well as externally including some client interaction, such as KYC consideration, liaison with advisers (Technical and Legal) as well as with Agency functions in other institutions.

Business Area

The role sits within EMG Energy and Natural Resources Team, covering Oil and Gas, Power Water and Renewable Energy transactions reporting into the Sector Head.

Position Description

• The principal responsibility is to maintain credit vigilance over the portfolio, apply policy (grading and timely delivery of reviews etc) to key performance indicators and in doing so supporting the achievement of ISD in administering this complex portfolio, mitigating credit costs / losses and delivering regulatory compliance.
• Generally, you would be providing Portfolio Management capacity, running transactions post Financial close, both on analysis and administration tasks and taking responsibility for leading discussions with stakeholders and maintaining credit grades to appropriate levels.
• There is a customer facing element to the role, including gathering information (KYC, DD etc) and attending customer site visits. Principal interfaces are with Agent banks, Technical, Legal and Financial advisers.
• Internally, the role would interface with various other departments including Origination teams and Credit Department, Operations (various), Compliance and to colleagues in Nikko and with other regions
• The role requires significant knowledge of Project Finance theory, practice, documentation, Financial Models and execution of any documentation modifications.
• There are no direct reports into this role but you may be responsible for helping to train and support colleagues with internal processes and as part of the EMG project teams – both within Energy & Natural Resource, across the departments and externally
• Main interfaces/relationships are with:
  • ISD Team and department members up to GM level
  • Credit department, loans admin, CPD, legal, other marketing departments (CBD1 &2, GTFD, SPD etc), OAD, Nikko CM (DCM and swaps), LCM, TD etc in EMEA
  • Other EMEA offices
  • Other regions and head office for specific transactions and Loan administration matters.
  • Customers (financial and industrial equity), other banks and financial institutions, DFIs & ECAs lawyers, accountants, specialist engineers, insurance advisors, public sector up to national government level
• It would be expected that the role would work on 15-20 transactions with the portfolio and provide coverage for colleagues on other deals, in absence. each year with some lead roles on parts

Competencies

What we offer

For all the expertise and experience you bring to help us make a difference, it’s only sustainable if we support you to build your career and be your best self so we offer competitive company benefits, centred around promoting positive well-bring and work-life balance. We also believe in fostering a diverse and inclusive work environment, where all team members perspectives and contributions are valued. Initiatives in place which promote a diverse and inclusive culture and healthy work life balance include hybrid working, Sport & Social Clubs and Diversity and Inclusion networks.

As an employee of SMBC you have access to a host of both useful and exciting benefit offerings. See below some of the benefits on offer to you:

• Hybrid and flexible working 
• Competitive paid leave days
• Benefits to support your physical wellbeing, including private medical insurance and life and invalidity insurance 
• Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services  
• Access a wide range of learning and development opportunities and career progression opportunities 
• Ambitious remuneration package

So, if you like a challenge and want to continuously grow and develop in a role where you will be supported along the way by a dynamic and diverse team, apply today!!